The reason I say this is that with a 5+ unit a lender will evaluate based on NOI and a cap rate, so adding a 5th unit COULD (or could not) substantially increase the value of the building and make it worthwhile to refinance and pay off the existing loan (that is tied to the "old" quad) anyway.

, attending "free" nothing down seminars, (Tom Vu??

I would suggest that you first get pre-qualified with a conventional lender to see if you qualify for a conventional loan based on your DTI.

I have more work to do this weekend then I expected and will reach out when I am free to set up a time to see your duplex in Grandview.

He was very successful and wealthy before he started making videos and created a course.Does his course teach you to build a successful business or work hard at a W-2, earn a boatload of money, and then learn for free through a mentor like he did?

Quote from @Jonathan Warner: Quote from @Corby Goade: I've got a few tips- like any other business, this is a relationship based thing.

You can also make your place more trouble-free by fixing things up front that are most likely to break (new light fixtures, light bulbs, door locks, etc.).

If you need more specific guidance or connections to experts in this space, feel free to DM me, and I'll point you in the right direction!

Most of the large lenders have affiliate programs and will teach you for free to represent them.

Please feel free to reach out if I can be of service.